Just sharing my feedback on the JustOne credit card and puzzling policies of StanChart Malaysia. I applied this credit card last year because I was attracted to the petrol cashback. Application was approved no problems with a limit of 6K which I found surprising given my Maybank cards which give me a limit of 40K. After a few months, got a letter saying the limit revised downwards to 4K which is less than the amount I was spending on the card. I heard SCB Malaysia was cutting back because the bank isn't doing well, so I didn't bother to make noise - so just spend on the other cards loh. Then last month, got someone call from SCB asking me to spend more to qualify for some promotion they are running. So I told him how to spend more when you reduce my credit limit. I told him my monthly take home salary is a few times the credit limit. Even more perplexing is that my salary is banked in SCB each month. So I told him to increase the limit first, then I have no issue spending more on the card. Now just a few minutes ago, I received an SMS from SCB saying they reject the increase in credit limit. Sorry long story, just had to vent.

Looks like I'm not the only one with this situation. I got the card for the petrol cashback. But not easy to spend rm700 each month on petrol to qualify for 10%.